BOI Domestic Credit Card vs Kotak NRI Royale Signature Credit Card

• A Classic card with Photo or Non-Photo
• Avail Membership to the BOI Reward programme
• Avail 2 StarPoints on every Rs. 100 on regular spends, and 3 StarPoints on every Rs. 100 on spends at merchant falling under the Preferred Category
• Fuel Transaction Surcharge: 1% of transaction amount 

• Avail 2X rewards on spends outside India; i.e. avail 2 rewards points for every Rs. 200 spent
• Fuel Surcharge Waiver 
• Railway Surcharge Waiver 
• NRI Royale Shield

Pros

• The Billing cycle is from 16th of current month to 15th of next month
• Interest free credit for up to 51 days and revolving credit at preferential rate
• EMI at POS facility is available on POS that are managed/owned by M/S WorldLine Private Limited
• Avail flexible credit limits for add-on cards

Cons

• No Golf Privileges 
• No Airport Lounge Access
• This card is for Domestic usage and valid only in India and Nepal

Pros

• This card is good for Indians who are residing overseas
• Freedom to purchase and pay in INR
• Complimentary access to Airport Lounges in India 

Cons

• No Golf Privileges 
• No Concierge Services 
• This card isn’t good for those who desire a low foreign currency mark up card